> For the complete documentation index, see [llms.txt](https://docs.spend.market/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.spend.market/data-and-revere/privacy-and-data-handling.md).

# Privacy & Data Handling

Spend Market never needs to know who you are to resolve a market. That principle runs through everything below.

**We never see your identity.** Bank connections flow through Plaid, which tokenizes your credentials. Spend Market never sees your bank login or account numbers.

**Individual transactions never appear in resolutions.** Every market settles on aggregated counts and totals across the full panel. No single user's activity is ever visible in the output.

**You control the data.** Disconnect your bank anytime; that stops future data flow.

**What we collect when you connect a bank:** anonymized transaction records (merchant, amount, timestamp, category) and account balances. Nothing from accounts you didn't connect.

**What we don't do:** we don't sell individual-level data, share identifiable records with participants or third parties, show you other users' activity, or combine transaction data with personal identifiers for advertising or external analytics.

**Retention.** While connected, data supports market resolution and your promo rewards. After disconnection, your identified account link is removed. To request deletion, email <help@americanspend.com>.

**Security.** Spend Market protects user data with controls aligned to industry standards. All data is encrypted in transit and at rest. Access to systems is restricted, logged, and reviewed, and sensitive operations are governed by least-privilege controls. Bank connections are tokenized through Plaid, so Spend Market never receives your bank credentials, and all transaction data is anonymized and aggregated before it reaches any market. Spend Market is pursuing SOC 2 Type II attestation; our security posture and audit status will be published in our trust center as they're finalized. Our auditor is Prescient Assurance.

See the full [Privacy Policy](https://spend.market/privacy) for binding terms.


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter:

```
GET https://docs.spend.market/data-and-revere/privacy-and-data-handling.md?ask=<question>&goal=<endgoal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.